Dhakuria Co-operative Bank Ltd.

Service Charges & Fees

Service Charges & Fees : Schedule & description of bank charges on Deposits, Loans & Advances, Collection of Cheques, Remittances, Postal Tariff, Other Charges, Gift Cheque etc.

Schedule & description of bank charges on Deposits, Loans & Advances, Collection of Cheques, Remittances, Postal Tariff, Other Charges, Gift Cheque etc.

SCHEDULE OF CHARGES OF THE BANK (effective from 01.04.2010)
A. Deposits:-
1. Duplicate Statement Charges per page = Rs. 35/- ( For current O/D,C/C Accounts) maximum Rs. 100/-. A per annum ledger folio charges of Rs. 35/- per folio except for exemptions as under :-
Revised (Rs.)
2. Issue of Duplicate Pass Books- Savings, Recurring Deposit A/c. with current balance 65/-
3. Issue of Duplicate Receipt : term Deposits 65/-
4. Addition / deletion of Names - All Deposit Accounts per occasion per case. 65/-
5. Charges in Operational Instructions in Deposits Accounts. per occasion per case. 65/-
6. Premature Closure of savings Bank/ Current Accounts ( A/c Closed within a year).
i. For an ordinary S.B. A/c 50/-
ii. For Current/ OD/CC A/c/ Cheque facility S/B A/c. 50/-
iii. For Current / OD/CC A/C reversal 60/-
7. Standing Instructions.
Rs. 65/- per transaction plus Postage & other out of Pocket expenses if any, where the transaction involves issue of Banker's Cheque, exchange at the prescribed rate should be recovered additionally. (Transfer of amounts from one a/c to others, periodically transfer of interest, dividend etc to the Personal A/c of customer within the same branch, no charge is to be levied).

8. Return of Cheques 
i.   Inclusive of OD/CC/Loans, Outward/Inward

ii.  ECS Return Charges



9. Recording Stop Payment Instruction & Reversal per leaf. ( per instrument )
    Maximum Charges 

10. In operative Accounts
i.   Current A/c.

ii.  Savings Bank A/c

Half years charges is to be realized provided the residual balance does not fall below the minimum .



11. Penal Charges in C.D. Accounts:
An incidental charge of Rs. 65 per month shall be made, in addition to annual incidental charges, to a C.D. Account, if the balance falls in any month below the prescribed minimum. Provided the reduce balance does not fall below Re 1/-
12. Penal charge / Additional levy in SB. A/Cs. ordinary
Fall of minimum balance charges facility
13. Issuance of MICR cheques to C/D, OD/CC Accounts Holder per page exclusive GST 2.50/-
B. Loans & Advances:-
1. Processing Charges:
i. For all type of advances including Term Loan (of Loan Amount)
ii. Tie up House Building Loan
Note: No processing charges will be levied on Loan against Term Deposit.
2. Processing charge for Loan against Govt. Securities:
1. Lien recording & release / one certificate / minimum (Out of pocket expenditure + min Rs.35/- )
2. Collection of proceed of the pledged instrument.

Note: All out of pocket expenses should be realized.
3. Processing charge for Medium Term Loan:

i.    Surety Loan

ii.   Personal Loan ( Tie Up )

iii.. Personal Loan ( Non Tie Up )




4. Processing charges for Loan against Gold ornaments. ( Appraisers Fees + Others + 0.50% on Loan )
Note: On clearance of the loan, pledge ornaments should be refunded. If the pledged ornaments is not taken back withing a month, safe custody charge of Rs. 50/- per month shall be levied.
C. Collection of Cheques (other than local cheques / CBS)
i. Amount against Rs. 5,000/- ...... NIL
ii. Rs. 5,001/- - 10,000/- ............... NIL
iii. Rs. 10,001/- & above .............. NIL
1) Cheque purchased
i. 0.50% plus collection charges if any as applicable for the respective slab of cheque collection, minimum Rs. 150/-
ii. If the cheque is returned, interest @ 17.5% per annum to be recovered from the date of purchase till the date of actual return.
iii. In case proceeds of a cheque are credited to the account in advance of the date of actual realisation, interest at the stipulated rate shall also be charged from the date of credit to the credit of realization.
D. Remittances
Pay order / Banker's cheque.
A commission @ Rs. 5.00/- per thousand with a minimum of Rs. 50/- and ABOVE Rs. 50,000/- @ Rs. 3.50/- per thousand. 
E. Postal Tariff:
Ordinary Post NIL
Registered Post / Speed Post 65/-
Telegrams/ Fax NIL
Or actual whichever is higher.
F. Other Charges
Attestion of Signature   35/-
No Due Certificate ( From 2nd Time )   118/-
Credential Certificate   590/-
Enquiry of old records   65/-


Gift Cheque ( Per Instrument )




Locker Rent (yearly) Small 1000/-
  Medium 2000/-
  Large 4000/-
Gift Cheque
General :  
i. Service charges in any form should not be application to the Staff members of the Bank.
ii. The act and nature of transaction in enjoying the service of the Bank does not reveal any gainful motivation.
iii. On identification, the retired employees of the Bank should avail the concession.